Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home can have many benefits, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty plan can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Muskegon for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Muskegon, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Muskegon homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our thorough review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Muskegon, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Muskegon homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our thorough review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Muskegon, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Muskegon homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our thorough review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Muskegon, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Muskegon homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our thorough review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Muskegon, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Muskegon homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our thorough review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Muskegon, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Muskegon homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our thorough review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Muskegon, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Muskegon homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our thorough review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,912 |
| Heating | $3,941 |
| Electrical | $591 |
| Toilets | $493 |
| Washer/Dryer | $788 |
| Plumbing | $591 |
| Oven | $1,576 |
| Fridge | $591 |
A home warranty is a protection plan that helps Muskegon homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances may not need a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are garbage disposals, refrigerators, microwaves, dryers, washers, dishwashers, and more. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. It's important for Muskegon homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically include electrical, AC, plumbing, heating, and appliances, while more comprehensive options may also cover roof leaks, pools, well pumps, and spas. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's track record provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty providers keep networks of professionals to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Muskegon to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers provide extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Temperatures in Muskegon can drop to the negatives in the winter, which means your heating system is most likely going to get a good bit of use. As a homeowner in Muskegon, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also offer value in other ways. For instance, some plans can be transferred to another owner during a home sale.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in Muskegon. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Muskegon.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Muskegon is $165,685, a home warranty can be an added asset when buying a home.
